From startups to legacy brands, you're making your mark. We're here to help.
Key Links
Prepare for future growth with customized loan services, succession planning and capital for business equipment.
Key Links
Institutional Investing
Serving the world's largest corporate clients and institutional investors, we support the entire investment cycle with market-leading research, analytics, execution and investor services.
Key Links
Providing investment banking solutions, including mergers and acquisitions, capital raising and risk management, for a broad range of corporations, institutions and governments.
Key Links
A uniquely elevated private banking experience shaped around you.
Whether you want to invest on your own or work with an advisor to design a personalized investment strategy, we have opportunities for every investor.
Explore a variety of insights.
Key Links
Insights by Topic
Explore a variety of insights organized by different topics.
Key Links
Insights by Type
Explore a variety of insights organized by different types of content and media.
Key Links
We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.
Key Links
The development of new business models is both the greatest opportunity and the most complex challenge facing treasury and payments teams right now. Strategic treasury leaders are helping to deliver greater agility into new markets and pivoting to digital-first business models: embedded payments, contextual commerce, recurring revenue, direct-to-consumer (D2C), platform models and super-apps. But a successful strategy needs bold thinking and the right partners to navigate this constantly changing landscape.
Rise of the platform economy
Three opportunities for treasury and payments teams to adapt to new customer experiences.
Combat ‘app fatigue’
Consolidate niche tasks and glue them together with a payments wallet
Keep it in context
Embed payments in the everyday: voice control, social commerce, IoT
Tap into ‘direct-to-consumer’
Use advanced payments data analytics to identify and perfect your D2C model
[INTRO MUSIC]
Title: Digital business models are becoming must-haves for business to drive immediate and long-term growth
Speaker: Natasha Condon, Global Head of Core Trade, J.P. Morgan Wholesale Payments
I think most people are already familiar with things like the huge change in direct-to-consumer, where corporations who were previously further down in the consumer supply chain are looking for opportunities to reach those consumers directly.
Like almost everything in the 21st century, it’s driven by the internet.
We’ve all also heard about the recurring revenue patterns around subscription services. You can buy your television channel as a subscription.
You can also buy your car as a subscription. That represents a massive new requirement in terms of how treasury structure themselves internally. That’s a huge pivot for a corporation.
Title: How are traditional companies meeting the digital demand?
Speaker: Renata Vilanova Lobo, Head of Wholesale Payments Brazil, J.P. Morgan
Mergers and acquisitions have been a very relevant trend over the past few years in LATAM. Mainly driven by traditional companies trying to speed up the process of adapting their business model towards the new digital reality.
We also see that companies that were able to rapidly adapt their business model towards the new digital demand are the ones that are presenting higher growth rates today.
Title: How will the digital business model landscape continue to evolve?
Speaker: Lucia Li, Payments and Treasury Services Market Management, J.P. Morgan, Wholesale Payments
With the proliferation in ecommerce and digital, we see two models emerging, especially in those growing ecommerce economies – contextual commerce and sharing economy. For contextual commerce, it’s about embedding the transactions in the everyday interactions a consumer has.
Moving forward, where we see that growing is to other industries, to media for instance – buying something when you’re seeing it on a show.
When you think about the sharing economy model, it’s very similar to recurring revenue – how will you keep track of these recurring payments that might not be at a fixed interval, like it is for recurring revenue, but it is still going to be a recurring payment from the same individual and use that to complete your 360 view of that consumer.
More than 60 percent of our clients globally cited business model pivots as the driver for their priorities1. Our Wholesale Payments experts discuss the different models emerging and why corporate treasury and payment teams need to join the journey and have a seat at the table.
Consumer brands are adopting operating models like direct-to-consumer, direct-to-store and online marketplaces. Now, corporate treasury teams are tasked with preparing backend systems to help ensure success. But they can’t go at it alone; it will require a broader collaboration across the business.
Read how treasury can prepare for D2C and the digital-first business model
Businesses are increasingly building B2C, B2B and P2P online marketplaces to reach new customers. Here’s how corporate treasury teams can play a major role in a successful marketplace strategy.
Read 3 ways to build a successful online marketplace
Receive key updates and news with relevant actionable insights and best practices — including the latest intelligence on treasury trends, digital payments innovation, regulatory change, ESG and sustainable financing and much more.
J.P. Morgan is the marketing name for the Wholesale Payments business of JPMorgan Chase Bank, N.A. and its affiliates worldwide.
The products and services described in this document are offered by JPMorgan Chase Bank, N.A. or its affiliates subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates.
Payments
J.P. Morgan at EuroFinance
Sep 14, 2023
Innovation, optimization and integration: at EuroFinance 2023, J.P. Morgan will be discussing how to navigate the new world of corporate treasury functions. Join our specialist speakers to explore how treasurers can become empowered to tackle new and complex challenges in order to add value – and resilience – to their organization.
Payments
J.P. Morgan adoption schedule of ISO 20022 messaging
Sep 13, 2023
As financial institutions continue to migrate towards the adoption of ISO 20022 messaging standards, J.P. Morgan has outlined when it will be able to receive and send specific messaging types through Swift's FINplus platform.
Payments
2023 M&A Holdback Escrow Study: Year-over-year trends and highlights
Sep 13, 2023
Gain a deeper understanding of M&A holdback escrows and how they are being used based on data from more than 2,600 transactions.
Payments
How to optimize working capital in accounts payable
Sep 12, 2023
By improving efficiency, accounts payable teams can play a key role in maximizing their organization’s working capital and overall efficiency.
Payments
J.P. Morgan at FINNOSUMMIT
Aug 28, 2023
AI, fintech and collaboration across the region: at FINNOSUMMIT 2023, J.P. Morgan will be discussing and demonstrating how payments can drive greater integration, collaboration and opportunity within your organization, anchoring new ways of doing business.
Payments
HCL Technologies Limited (HCL) maximized working capital with innovative global payments platform
Aug 25, 2023
HCL utilized a global Early Payment Program (EPP) to accelerate supplier payments and optimize working capital.
Payments
J.P. Morgan at Sibos
Aug 21, 2023
Enterprise-grade payments for financial institutions: at Sibos 2023, J.P. Morgan Payments will be discussing embedded banking, cross-border payments and smart finance. Robust enough to handle the needs of FIs of all sizes, we are uniquely positioned to create and scale your organization’s mission-critical payments infrastructure.
Payments
Strategies for Resiliency: Working Capital Index 2023
Aug 18, 2023
After a sharp revival in the global economy in 2021, 2022 was marked by geopolitical and economic disruptions. Companies need to make every dollar of capital count.
You're now leaving J.P. Morgan
J.P. Morgan’s website and/or mobile terms, privacy and security policies don’t apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. J.P. Morgan isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the J.P. Morgan name.